---
canonical_url: https://lendb.ai/lo/carolina-apaza-pacheco-1285973
json_url: https://lendb.ai/lo/carolina-apaza-pacheco-1285973.json
nmls_id: 1285973
last_verified: 2026-10-09
---

# Carolina Apaza-Pacheco

Loan Officer at First Heritage Mortgage. NMLS ID 1285973 ([verify at NMLS Consumer Access](https://www.nmlsconsumeraccess.org/EntityDetails.aspx/INDIVIDUAL/1285973)).

**Summary:** Carolina Apaza-Pacheco (NMLS 1285973) is Loan Officer at First Heritage Mortgage. Licensed in Florida, confirmed with the state regulator (license LO88867). Also lists District of Columbia, Maryland, North Carolina, South Carolina, Virginia and West Virginia on the lender page (not yet checked with the state regulator). Speaks Spanish. Earliest state license record: June 4, 2021 (Florida), per state regulator. States 20 years of experience. Last verified 2026-10-09.

## At a glance

- Earliest state license record: June 4, 2021 (Florida), per state regulator. A record date from the state rosters we hold, not proof of continuous licensure or total experience.
- Years experience (stated by the LO): 20 (source: https://fhmtg.com/officers/carolina-apaza-pacheco/, verified 2026-10-09)
- Licensed in: Florida (FL, confirmed), District of Columbia (DC, lender_reported), Maryland (MD, lender_reported), North Carolina (NC, lender_reported), South Carolina (SC, lender_reported), Virginia (VA, lender_reported), West Virginia (WV, lender_reported)
- License confidence: confirmed = state regulator roster; lender_reported = listed on the lender page only; federal_registration = inferred from a bank or credit union employer.
- Languages: Spanish
- Profile: unclaimed
- Status: active

## Specialties


## About

Carolina is fluent in English and Spanish and has 20 years in the D.C. metro area. She holds a BA from Marymount University and previously served in the National Guard for six years.

Source: LenDb summary of the lender page, verified 2026-10-09.

## Facts from the lender page and intro

- years_experience: 20. Source: https://fhmtg.com/officers/carolina-apaza-pacheco/, verified 2026-10-09.
- education: Bachelor of Business Administration degree from Marymount University. Source: https://fhmtg.com/officers/carolina-apaza-pacheco/, verified 2026-10-09.
- other: Served in the National Guard for six years before mortgage career. Source: https://fhmtg.com/officers/carolina-apaza-pacheco/, verified 2026-10-09.

## Licenses

| State | Type | Number | Status | Confidence | Issued | Source | Verified |
|---|---|---|---|---|---|---|---|
| FL | state_license | LO88867 | active | confirmed | 2021-06-04 | state_regulator | 2026-10-09 |
| DC | state_license | n/a | listed_on_lender_site | lender_reported |  | lender_site | 2026-10-09 |
| MD | state_license | n/a | listed_on_lender_site | lender_reported |  | lender_site | 2026-10-09 |
| NC | state_license | n/a | listed_on_lender_site | lender_reported |  | lender_site | 2026-10-09 |
| SC | state_license | n/a | listed_on_lender_site | lender_reported |  | lender_site | 2026-10-09 |
| VA | state_license | n/a | listed_on_lender_site | lender_reported |  | lender_site | 2026-10-09 |
| WV | state_license | n/a | listed_on_lender_site | lender_reported |  | lender_site | 2026-10-09 |

## Employment history

- ? to present: First Heritage Mortgage (NMLS 86548). Source: https://fhmtg.com/officers/carolina-apaza-pacheco/, verified 2026-10-09.

## Disciplinary history

Disciplinary history not yet checked by LenDb. Verify at NMLS Consumer Access: https://www.nmlsconsumeraccess.org/EntityDetails.aspx/INDIVIDUAL/1285973

## Contact

- View profile at First Heritage Mortgage: https://fhmtg.com/officers/carolina-apaza-pacheco/
- Office phone on file: shown at https://lendb.ai/lo/carolina-apaza-pacheco-1285973#contact after a quick human check (not available in this file, the API or MCP).

## Sources

- nmls: https://www.nmlsconsumeraccess.org/EntityDetails.aspx/INDIVIDUAL/1285973
- state_regulator: https://real.flofr.com/Public/LO/LoanOriginators_AI_Monthly.zip
- lender_site: https://fhmtg.com/officers/carolina-apaza-pacheco/

Cite as: Carolina Apaza-Pacheco (NMLS 1285973), First Heritage Mortgage. LenDb.ai, https://lendb.ai/lo/carolina-apaza-pacheco-1285973, last verified 2026-10-09.

_Not a lender. Not a referral service. Verify licenses at NMLS Consumer Access._